Homeland Community Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 89.11 percentage points higher than in Q1 2026, at 203.16%. Within Tennessee, Homeland Community Bank is 68th of 109 on return on assets, 0.99% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Homeland Community Bank sits 0.26 points lower, at 0.99% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.83% |
| Tier 1 risk-based capital ratio | 13.83% |
| Total risk-based capital ratio | 14.72% |
| Tier 1 leverage ratio | 8.46% |
| Equity capital to assets | 5.83% |
| Tangible equity to tangible assets | 5.83% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.42% |
| Non-performing assets ratio | 0.28% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 4.40% |
| Allowance for credit losses to loans | 0.84% |
| Reserve coverage of non-performing loans | 203.16% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.99% |
| Return on equity | 17.24% |
| Net interest margin | 3.40% |
| Efficiency ratio | 64.37% |
| Yield on earning assets | 4.88% |
| Cost of funds | 1.55% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 60.34% |
| Core deposits to total deposits | 86.04% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 93.10% |
| Securities to assets | 27.99% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.01% | 12.01% | 12.86% | 7.49% | 0.25% |
| Q4 2023 | 12.11% | 12.11% | 12.96% | 7.89% | 0.71% |
| Q1 2024 | 12.28% | 12.28% | 13.14% | 7.87% | 0.68% |
| Q2 2024 | 12.33% | 12.33% | 13.18% | 7.82% | 1.08% |
| Q3 2024 | 12.82% | 12.82% | 13.69% | 7.94% | 0.63% |
| Q4 2024 | 12.42% | 12.42% | 13.26% | 7.74% | 0.54% |
| Q1 2025 | 12.26% | 12.26% | 13.08% | 7.71% | 0.55% |
| Q2 2025 | 12.72% | 12.72% | 13.57% | 7.79% | 0.63% |
| Q3 2025 | 13.14% | 13.14% | 13.99% | 7.99% | 0.70% |
| Q4 2025 | 13.36% | 13.36% | 14.25% | 8.08% | 0.71% |
| Q1 2026 | 13.59% | 13.59% | 14.48% | 8.51% | 0.83% |
| Q2 2026 | 13.83% | 13.83% | 14.72% | 8.46% | 0.99% |
Homeland Community Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Homeland Community Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Homeland Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57632) · FFIEC NIC profile (RSSD 3223408)